 If you're still in a 30% tax bracket, there is no advantage to deferring your taxes. You took all the risk, right? You rode the market up and down in these pretty much dismal, you know, performing 401ks, had limited to no access for the funds, and didn't get ahead tax-wise, if anything, getting further behind tax-wise. And you'll pay the IRS substantially more as well because you grew theirs, not just yours. And you've heard me say about this. I've written about it in my books.